STOCK TITAN

[8-K] HORACE MANN EDUCATORS CORP /DE/ Reports Material Event

Filing Impact
(Moderate)
Filing Sentiment
(Neutral)
Form Type
8-K

Horace Mann Educators Corporation filed a Current Report on Form 8-K reporting the issuance of notes under a Prospectus Supplement dated September 23, 2025 to the Prospectus dated March 8, 2024 that was filed as part of its Form S-3 (No. 333-277784). The filing states the notes were issued pursuant to an Underwriting Agreement and Indenture; descriptions in the filing are qualified in full by the actual securities documents attached as exhibits. The company also furnished a news release announcing the pricing of the offering, included as Exhibit 99.1. The filing incorporates Exhibits 1.1, 4.1, 4.2, 5.1, 23.1 and 99.1 by reference.

Horace Mann Educators Corporation ha presentato un rapporto attuale su Form 8-K in cui si comunica l'emissione di titoli ai sensi di un Prospectus Supplement datato 23 settembre 2025 rispetto al Prospectus del 8 marzo 2024 che è stato presentato come parte del suo Form S-3 (n. 333-277784). La presentazione afferma che i titoli sono stati emessi conformemente a un Underwriting Agreement e a una Indenture; le descrizioni nel documento sono pienamente qualificate dai documenti effettivi sui titoli allegati come exhibit. L'azienda ha inoltre rilasciato un comunicato stampa che annuncia la determinazione del prezzo dell'offerta, incluso come Exhibit 99.1. La presentazione richiama per riferimento gli Exhibits 1.1, 4.1, 4.2, 5.1, 23.1 e 99.1.

Horace Mann Educators Corporation presentó un Informe Actual en Formulario 8-K informando la emisión de notas conforme a un Prospectus Supplement fechado el 23 de septiembre de 2025 al Prospecto fechado el 8 de marzo de 2024 que fue presentado como parte de su Form S-3 (No. 333-277784). La presentación indica que las notas fueron emitidas conforme a un Underwriting Agreement y a una Indenture; las descripciones en la presentación están plenamente calificadas por los documentos de valores adjuntos como anexos. La compañía también adjuntó un comunicado de prensa anunciando el precio de la oferta, incluido como Exhibit 99.1. La presentación incorpora por referencia los Exhibits 1.1, 4.1, 4.2, 5.1, 23.1 y 99.1.

Horace Mann Educators Corporation은(는) 2025년 9월 23일자 Prospectus 보충서에 따라 2024년 3월 8일자 Prospectus를 다룬 Form S-3(번호 333-277784)의 일부로 발행된 채권에 대해 8-K 형태의 현재 보고서를 제출했습니다. 보고서는 채권이 Underwriting Agreement 및 Indenture에 따라 발행되었으며, 첨부된 실제 증권 문서가 Exhibit로 첨부되어 있어 설명이 전적으로 그 문서로 보강된다고 명시합니다. 또한 회사는 공모가 확정을 발표하는 보도자료를 Exhibit 99.1로 포함하여 제출했습니다. 제출은 Exhibit 1.1, 4.1, 4.2, 5.1, 23.1 및 99.1을 참조로 포함합니다.

Horace Mann Educators Corporation a déposé un rapport courant sur le formulaire 8-K relatant l’émission de notes en vertu d’un Prospectus Supplement daté du 23 septembre 2025 par rapport au Prospectus daté du 8 mars 2024 qui a été déposé dans le cadre de son Form S-3 (No. 333-277784). Le dépôt indique que les notes ont été émises conformément à un Underwriting Agreement et à une Indenture; les descriptions du dossier sont pleinement qualifiées par les documents réels de valeurs mobilières joints en tant que pièces jointes. L’entreprise a également publié un communiqué de presse annonçant le pricing de l’offre, inclus en tant qu’Exhibit 99.1. Le dépôt intègre par référence les Exhibits 1.1, 4.1, 4.2, 5.1, 23.1 et 99.1.

Horace Mann Educators Corporation hat einen Current Report on Form 8-K eingereicht, der die Emission von Notes gemäß einem Prospectus-Supplement datiert auf den 23. September 2025 im Bezug auf den Prospectus vom 8. März 2024 meldet, der als Teil ihres Form S-3 (Nr. 333-277784) eingereicht wurde. Die Einreichung besagt, dass die Notes gemäß einer Underwriting-Vereinbarung und einer Indenture ausgegeben wurden; die Beschreibungen im Einreichungstext sind durch die tatsächlichen Wertpapierdokumente, die als Exhibits beigefügt sind, vollständig qualifiziert. Das Unternehmen legte außerdem eine Pressemitteilung vor, die die Preisgestaltung des Angebots ankündigt, als Exhibit 99.1 beigefügt. Die Einreichung bezieht sich durch Bezugnahme auf Exhibits 1.1, 4.1, 4.2, 5.1, 23.1 und 99.1.

Horace Mann Educators Corporation قدمت تقريرًا جاريًا على النموذج 8-K يفيد بإصدار سندات بناءً على ملحق نشرة الإصدار المؤرخة 23 سبتمبر 2025 إلى النشرة المؤرخة 8 مارس 2024 والتي قدمت كجزء من نموذج S-3 (الرقم 333-277784). يشير الإيداع إلى أن السندات صدرت وفقًا لاتفاق الاكتتاب وIndenture؛ فإن الوصف الوارد في الإيداع مؤهل تمامًا بوثائق الأوراق المالية الفعلية المرفقة كملاحق. كما زودت الشركة بيانًا صحفيًا يعلن تسعير العرض، المدرج ك Exhibit 99.1. يدمج الإيداع بالإشارة Exhibits 1.1 و4.1 و4.2 و5.1 و23.1 و99.1.

Horace Mann Educators Corporation 提交了 Form 8-K 的最新报告,披露依据日期为 2025年9月23日 的 Prospectus Supplement 发行的票据,相关 Prospectus 的日期为 2024年3月8日,该文件作为 Form S-3(编号 333-277784)的一部分提交。 filing 指出票据是按照承销协议和契约发行;文中的描述由随附的实际证券文件作为附件展品全部限定。公司还提交了一份新闻稿,宣布 发行定价,作为 Exhibit 99.1 收录。该提交通过引用包含 Exhibits 1.1、4.1、4.2、5.1、23.1 和 99.1。

Positive
  • Notes were issued pursuant to a Prospectus Supplement dated September 23, 2025
  • Pricing of the offering was announced via a news release filed as Exhibit 99.1
  • Key transaction documents (Underwriting Agreement, Indenture, Notes) are incorporated as exhibits
Negative
  • None.

Insights

TL;DR: Company completed a note issuance and publicly disclosed pricing, indicating access to capital markets.

The Form 8-K documents a debt offering executed under an existing Form S-3 shelf registration, using a Prospectus Supplement dated September 23, 2025. The filing references the Underwriting Agreement and Indenture and incorporates the governing documents as exhibits, which is standard practice to provide legal and economic terms to investors. This disclosure confirms the company tapped the debt market and provided investors with formal pricing information via a news release (Exhibit 99.1). The materiality appears routine for a financing event but does provide transparency on the transaction structure pending review of the attached exhibits.

TL;DR: Proper SEC disclosure of securities issuance and exhibits; legal terms are contained in incorporated documents.

The 8-K follows standard securities disclosure requirements by identifying the Prospectus and Prospectus Supplement governing the notes and by incorporating the Underwriting Agreement, Indenture and related documents as exhibits to the report. The filing expressly states its descriptive discussion is qualified by the full text of the attached documents, which is consistent with legal best practice to avoid incomplete descriptions. Investors must consult the actual exhibits for definitive legal and economic terms of the notes.

Horace Mann Educators Corporation ha presentato un rapporto attuale su Form 8-K in cui si comunica l'emissione di titoli ai sensi di un Prospectus Supplement datato 23 settembre 2025 rispetto al Prospectus del 8 marzo 2024 che è stato presentato come parte del suo Form S-3 (n. 333-277784). La presentazione afferma che i titoli sono stati emessi conformemente a un Underwriting Agreement e a una Indenture; le descrizioni nel documento sono pienamente qualificate dai documenti effettivi sui titoli allegati come exhibit. L'azienda ha inoltre rilasciato un comunicato stampa che annuncia la determinazione del prezzo dell'offerta, incluso come Exhibit 99.1. La presentazione richiama per riferimento gli Exhibits 1.1, 4.1, 4.2, 5.1, 23.1 e 99.1.

Horace Mann Educators Corporation presentó un Informe Actual en Formulario 8-K informando la emisión de notas conforme a un Prospectus Supplement fechado el 23 de septiembre de 2025 al Prospecto fechado el 8 de marzo de 2024 que fue presentado como parte de su Form S-3 (No. 333-277784). La presentación indica que las notas fueron emitidas conforme a un Underwriting Agreement y a una Indenture; las descripciones en la presentación están plenamente calificadas por los documentos de valores adjuntos como anexos. La compañía también adjuntó un comunicado de prensa anunciando el precio de la oferta, incluido como Exhibit 99.1. La presentación incorpora por referencia los Exhibits 1.1, 4.1, 4.2, 5.1, 23.1 y 99.1.

Horace Mann Educators Corporation은(는) 2025년 9월 23일자 Prospectus 보충서에 따라 2024년 3월 8일자 Prospectus를 다룬 Form S-3(번호 333-277784)의 일부로 발행된 채권에 대해 8-K 형태의 현재 보고서를 제출했습니다. 보고서는 채권이 Underwriting Agreement 및 Indenture에 따라 발행되었으며, 첨부된 실제 증권 문서가 Exhibit로 첨부되어 있어 설명이 전적으로 그 문서로 보강된다고 명시합니다. 또한 회사는 공모가 확정을 발표하는 보도자료를 Exhibit 99.1로 포함하여 제출했습니다. 제출은 Exhibit 1.1, 4.1, 4.2, 5.1, 23.1 및 99.1을 참조로 포함합니다.

Horace Mann Educators Corporation a déposé un rapport courant sur le formulaire 8-K relatant l’émission de notes en vertu d’un Prospectus Supplement daté du 23 septembre 2025 par rapport au Prospectus daté du 8 mars 2024 qui a été déposé dans le cadre de son Form S-3 (No. 333-277784). Le dépôt indique que les notes ont été émises conformément à un Underwriting Agreement et à une Indenture; les descriptions du dossier sont pleinement qualifiées par les documents réels de valeurs mobilières joints en tant que pièces jointes. L’entreprise a également publié un communiqué de presse annonçant le pricing de l’offre, inclus en tant qu’Exhibit 99.1. Le dépôt intègre par référence les Exhibits 1.1, 4.1, 4.2, 5.1, 23.1 et 99.1.

Horace Mann Educators Corporation hat einen Current Report on Form 8-K eingereicht, der die Emission von Notes gemäß einem Prospectus-Supplement datiert auf den 23. September 2025 im Bezug auf den Prospectus vom 8. März 2024 meldet, der als Teil ihres Form S-3 (Nr. 333-277784) eingereicht wurde. Die Einreichung besagt, dass die Notes gemäß einer Underwriting-Vereinbarung und einer Indenture ausgegeben wurden; die Beschreibungen im Einreichungstext sind durch die tatsächlichen Wertpapierdokumente, die als Exhibits beigefügt sind, vollständig qualifiziert. Das Unternehmen legte außerdem eine Pressemitteilung vor, die die Preisgestaltung des Angebots ankündigt, als Exhibit 99.1 beigefügt. Die Einreichung bezieht sich durch Bezugnahme auf Exhibits 1.1, 4.1, 4.2, 5.1, 23.1 und 99.1.


UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
 
FORM 8-K
 
CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
 
Date of Report: September 23, 2025
 
HORACE MANN EDUCATORS CORPORATION
(Exact name of registrant as specified in its charter)

Delaware
1-10890
37-0911756
(State of incorporation)
(Commission File Number)
(I.R.S. Employer Identification No.)
 
1 Horace Mann Plaza Springfield, Illinois 62715-0001
(Address, including zip code)
 
Registrant’s telephone number, including area code: (217) 789-2500

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:


Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading Symbol
Name of each exchange
on which registered
Common Stock, $0.001 par value
HMN
New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐



Item 8.01:
Other Events
 
On September 26, 2025, Horace Mann Educators Corporation (the “Company”) completed a public offering (the “Offering”) of $300,000,000 aggregate principal amount of the Company’s 4.700% Senior Notes due 2030 (the “Notes”) pursuant to an underwriting agreement, dated as of September 23, 2025 (the “Underwriting Agreement”), among the Company and PNC Capital Markets LLC, BMO Capital Markets Corp. and J.P. Morgan Securities LLC, as representatives of the several underwriters named therein (the “Underwriters”). The Underwriting Agreement contains customary representations, warranties, conditions to closing, indemnification rights and obligations of the parties.
 
The Notes were issued under an indenture, dated as of November 23, 2015 (the “Indenture”), between the Company and The Bank of New York Mellon Trust Company, N.A., as trustee (the “Trustee”). The Notes are represented by a global note, executed by the Company, dated September 26, 2025. Pursuant to the terms of the Indenture, the Notes are unsecured senior obligations of the Company and rank equally with all of the Company’s other unsecured, unsubordinated indebtedness. The Notes bear interest at an annual rate of 4.700%, payable by the Company on April 1 and October 1 of each year, beginning on April 1, 2026. The Notes mature on October 1, 2030.
 
The Company may redeem the Notes in whole or in part, at any time and from time to time, at the price set forth in the Notes. The Indenture contains customary covenants and events of default.
 
The Company intends to use the net proceeds from the issuance of the Notes for general corporate purposes, including repayment of the Company's 4.50% Senior Notes due December 1, 2025.
 
The Notes were issued pursuant to the Prospectus Supplement, dated September 23, 2025, to the Prospectus, dated March 8, 2024 (the “Prospectus”), filed as part of the registration statement on Form S-3 (No. 333-277784) (the “Registration Statement”).
 
The foregoing description of the Underwriting Agreement, Indenture, Notes and other documents relating to this transaction does not purport to be complete and is qualified in its entirety by reference to the full text of these securities and documents, forms or copies of which are attached as exhibits to this Current Report on Form 8-K and are incorporated herein by reference. Each of Exhibits 1.1 and 4.1 are hereby incorporated by reference into the Registration Statement and the Prospectus.
 
On September 23, 2025, the Company issued a news release announcing the pricing of the Offering. A copy of the news release is attached hereto, furnished as Exhibit 99.1 and incorporated in this Item 8.01 by reference.

Item 9.01:
Financial Statements and Exhibits
 

(d)
Exhibits.
 
Exhibit 1.1
Underwriting Agreement, dated as of September 23, 2025, by and among Horace Mann Educators Corporation and PNC Capital Markets LLC, BMO Capital Markets Corp. and J.P. Morgan Securities LLC, as representatives of the several underwriters listed on Schedule 1 thereto.


Exhibit 4.1
Indenture, dated as of November 23, 2015, by and between Horace Mann Educators Corporation and The Bank of New York Mellon Trust Company, N.A., as trustee, incorporated by reference to Exhibit 4.1 to the Company’s Current Report on Form 8-K dated November 18, 2015, filed with the Securities and Exchange Commission on November 23, 2015.


Exhibit 4.2
Form of Horace Mann Educators Corporation’s 4.700% Senior Notes due 2030.


Exhibit 5.1
Opinion of Gibson, Dunn & Crutcher LLP.


Exhibit 23.1
Consent of Gibson, Dunn & Crutcher LLP (included in Exhibit 5.1).


Exhibit 99.1
News release dated September 23, 2025, announcing the pricing of the Offering.


Exhibit 104
Cover Page Interactive Data File (formatted as Inline XBRL)


SIGNATURE
 
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.
 

HORACE MANN EDUCATORS CORPORATION




By:
/s/ Maureen Temchuk


Name: Maureen Temchuk


Title:   Controller and Chief Accounting Officer



Date: September 26, 2025




FAQ

What did Horace Mann (HMN) disclose in this Form 8-K?

The company reported the issuance of notes under a Prospectus Supplement dated September 23, 2025 and attached related transaction documents as exhibits.

Where can I find the full legal terms for the notes?

The filing states the full legal terms are in the exhibits (including the Underwriting Agreement and Indenture) which are incorporated by reference.

Did Horace Mann provide pricing details for the offering?

Yes. The company issued a news release announcing the pricing of the offering, furnished as Exhibit 99.1.

Which exhibits were included or referenced in the 8-K?

Exhibits referenced are 1.1, 4.1, 4.2, 5.1, 23.1 and 99.1.

Under which registration statement were the notes issued?

The notes were issued under the Registration Statement on Form S-3 (No. 333-277784), referencing the Prospectus dated March 8, 2024.
Horace Mann Educators Corp

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